Instant RAL

Instant RAL (IRAL) is a product that provides individual taxpayers, who are entitled to a Federal tax refund, an instant loan decision and immediate partial disbursement of the proceeds. The application decision is based on proprietary scorecard technology and occurs prior to any acceptance/acknowledgement from the IRS. Results of IRAL applications are available in your office in minutes. At the time the IRAL is approved, the individual seeking the return is only charged the IRAL Fee and the Set-Up Fee. When/if the bank approves the remainder of the refund as a Classic RAL, the Finance Charge along with all other tax related fees will be deducted from that second check.